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Finward BancorpFNWD +1.33%54 3-Year Book Growth Rate is 8.40% as of Mar. 2026, which is 45% above its 10-year median of 5.80. GuruFocus rates FNWD with a GF Score™ of 54/100 and a GF Value™ of $28.71 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, Finward Bancorp ranks worse than 52.64% on this metric.
During the past 12 months, Finward Bancorp's average Book Value per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -3.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Finward Bancorp was 10.90% per year. The lowest was -7.90% per year. And the median was 5.80% per year.
Finward Bancorp (NAS:FNWD) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Finward Bancorp 3-Year Book Growth Rate Related Terms
FNWD vs SABK, RBKB, CSBB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Finward Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Finward Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Finward Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Finward Bancorp's 3-Year Book Growth Rate falls into.
Finward Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.40% mean?
Finward Bancorp (FNWD) has a 3-Year Book Growth Rate of 8.40% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Finward Bancorp and its competitors. This is 45% above median its historical median of 5.80. According to the industry distribution chart, Finward Bancorp ranks #788 out of 1497 companies in the Banks industry, placing it in the top 52.6%.
Is Finward Bancorp's 3-Year Book Growth Rate too high?
Finward Bancorp's current 3-Year Book Growth Rate of 8.40% is 45% above median its 10-year median of 5.80. The Banks industry median 3-Year Book Growth Rate is 8.70. Finward Bancorp's value of 8.40% is 3.4% below this industry median. Based on the distribution chart, Finward Bancorp ranks #788 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Finward Bancorp has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Finward Bancorp's 3-Year Book Growth Rate compare to SABK and RBKB?
According to the Banks industry distribution chart, Finward Bancorp ranks #788 out of 1497 companies for 3-Year Book Growth Rate. This places Finward Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Finward Bancorp's value of 8.40% is 3.4% below this benchmark. While the company's 10-year median is 5.80 vs. the industry median of 8.70, Finward Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finward Bancorp's current 3-Year Book Growth Rate of 8.40% is 3.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Finward Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finward Bancorp's current 3-Year Book Growth Rate is 8.40%, which is 45% above median its own 10-year median of 5.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finward Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Finward Bancorp (FNWD) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.71, compared to a current price of $45.66 — trading 59% above its estimated fair value. The current 3-Year Book Growth Rate is 8.40%, which is 45% above median its 10-year median of 5.80 and 3.4% below the Banks industry median of 8.70. Finward Bancorp's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Finward Bancorp (FNWD), the current 3-Year Book Growth Rate is 8.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Finward Bancorp (FNWD) Overvalued in 2026?
Based on GuruFocus' analysis, Finward Bancorp stock appears to be overvalued.
The current stock price of $45.66 is trading 59% above its estimated GF Value™ of $28.71.
GuruFocus considers Finward Bancorp to be Significantly Overvalued.
Key valuation signals for FNWD:
3-Year Book Growth Rate: 8.40% (45% above median its 10-year median of 5.80)
GF Value™: $28.71 vs. price of $45.66 (59% above fair value)
Industry Position: 3.4% below the Banks median (#788 of 1497)
No single metric tells the full story. See the FNWD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finward Bancorp is a bank holding company that engages in the provision of financial services. It offers products and services related to Personal Banking, Cash Management, Savings Account, ebanking, Wealth Management, and Insurance Services. It is engaged in the business of attracting deposits from the general public and the origination of loans, mostly upon the security of single-family residences and commercial real estate, construction loans, commercial business loans, and municipal loans. Geographically, the activities are carried out throughout the United States. The Company operates as a single reportable segment that derives its revenue mainly from the business of banking.
54GF Score
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